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Pricing, Products, and Refund Policy
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CARES Act and Coronavirus Stimulus Retirement Changes
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FAQs and the Benefits of Self-Directing Retirement Accounts
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Rocket Dollar Crowdfunding Campaign on Republic
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Support
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Investing and Alternative Asset Classes
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Self-Directed IRA (Traditional, Roth, or Beneficiary)
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Self-Directed Solo 401(k) (Traditional or Roth)
- Self-Directed Solo 401(k) FAQs
- Opening a Rocket Dollar Self-Directed Solo 401(k) Account
- Structure and Titling
- Contributions and Contribution Limits
- Eligibility
- IRS-Related Questions
- Rolling Over/Transferring Old Accounts
- Solo 401(k) Traditional Contributions
- Solo 401(k) Roth Contributions
- Solo 401(k) Loans
- Uncommon Questions
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Self-Directed SEP-IRA
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Self-Directing Retirement Compliance and Self Care
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Partnering with Rocket Dollar
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Fundraising with Rocket Dollar
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Specific State Rules
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Privacy, Security, Identity, and Fraud
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Investor Relations
What is "self-dealing"?
Self-dealing is when your self-directed retirement account makes a prohibited transaction with the same person who owns it (you). You must keep your investments "at arm's length".
Your Self-Directed IRA should benefit from investments and transactions. You should not.
You are a disqualified person. Just like other disqualified persons, you should not be transacting or forming a conflict of interest between yourself and your IRA. Think of assets in your name and your IRA's name as two different parties.
What are some common self-dealing problem examples?
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Commingling funds from your personal account and your IRA
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Transferring/selling assets to or from a disqualified person (you) and the IRA, so that you move a taxable investment into your IRA, or one of your IRA investments to your personal taxable accounts.
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Owning stock or a house in your name and then selling it to your IRA
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Transacting with a company in with your IRA in which you own 50%+ of or hold a key leadership position
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Paying yourself from your IRA, whether in the form of salary, commissions, or discounting/increasing costs other areas of a transaction because of your work
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Utilizing your own IRA's investment for benefit and pleasure, such as staying in your IRA's investment real estate for vacation, buying raw land from your IRA, or building a cabin and hunting ground.
- Putting your personal name on the final paperwork of investments, instead of signing as your IRA LLC manager.